The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$77,849
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,271
−HK$2,460/mo
Today · 4.125%
HK$82,731
baseline
▲ 0.50% · 4.625%
HK$87,765
+HK$5,034/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,462/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,606
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,929
−HK$2,356/mo
Today · 4.125%
HK$91,285
baseline
▲ 0.50% · 4.625%
HK$96,097
+HK$4,812/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,570/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,419
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$96,325
−HK$2,952/mo
Today · 4.125%
HK$99,277
baseline
▲ 0.50% · 4.625%
HK$105,318
+HK$6,041/mo
Deposit HK$13.66M · loan HK$20.48M · min. income ≈ HK$198,554/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,928
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$106,715
−HK$2,828/mo
Today · 4.125%
HK$109,543
baseline
▲ 0.50% · 4.625%
HK$115,317
+HK$5,774/mo
Deposit HK$13.66M · loan HK$20.48M · min. income ≈ HK$219,086/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,989
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,379
−HK$3,444/mo
Today · 4.125%
HK$115,823
baseline
▲ 0.50% · 4.625%
HK$122,871
+HK$7,048/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$231,646/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,249
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,501
−HK$3,299/mo
Today · 4.125%
HK$127,800
baseline
▲ 0.50% · 4.625%
HK$134,536
+HK$6,736/mo
Deposit HK$10.24M · loan HK$23.90M · min. income ≈ HK$255,600/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,128
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$144,487
−HK$4,429/mo
Today · 4.125%
HK$148,916
baseline
▲ 0.50% · 4.625%
HK$157,977
+HK$9,061/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$297,832/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,891
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$160,072
−HK$4,242/mo
Today · 4.125%
HK$164,314
baseline
▲ 0.50% · 4.625%
HK$172,975
+HK$8,661/mo
Deposit HK$3.41M · loan HK$30.73M · min. income ≈ HK$328,628/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$1,450,972 · Scale 2, in force from 26 Feb 2026)